|Coverage level||Total monthly cost||UK pays||You pay|
|Employee + children||$899||$752||$147|
|Employee + spouse||$1,199||$927||$272|
|Employee + family||$1,498||$1,098||$400|
Health plan with HSA Saver
High-deductible health insurance with a health savings account
This plan offers a health savings account (HSA) and the funds that accumulate never expire. Members of this plan pay for all costs out of pocket, except for preventive care, until a high deductible is met.
To help cover your costs before you meet your deductible, UK will deposit money into your HSA.
Once you meet your deductible, you’ll pay a percentage of the cost. And if you meet your out-of-pocket maximum for the year, then 100% of services are covered.
Employee monthly rates
|Coverage level||Total monthly cost*||UK pays||You pay|
|Employee + children||$862||$719||$143|
|Employee + spouse||$1,150||$885||$265|
|Employee + family||$1,437||$1,046||$391|
* Regular part-time and temporary employees (less than 0.75 FTE or work less than an average of 30 hours per week in a 12 month measurement period), who are not eligible for the UK credit toward the costs of coverage, pay this rate.
UK contributes to your health savings account each month
To help cover your costs before you meet your deductible, UK will deposit money into a health savings account on a prorated basis.
|Amount deposited in July and again in January||Total amount for the year|
|Coverage that includes family members||$1,000||$2,000|
You can also deposit money into your HSA
In addition to UK’s contributions to the health savings account, you can also contribute. You can designate an amount to be deposited per each paycheck.
For 2020-2021, you can contribute up to an additional $2,600 per year on the employee-only plan, and $5,200 per year on plans that include family members.
Funds in your health savings account never expire. So, you can use them to cover health costs in future years with another plan, or even save them to use in retirement.
If you expect to have more health care costs than you can afford to pay from your health savings account or your personal funds, you should consider one of our other health insurance plans.
Deductibles and out-of-pocket maximums vary based on who you see for care.
You can meet your deductible or an out-of-pocket maximum on your own or in combination with any covered spouse, child or family member.
Just like our other plans, you save more with UK HealthCare. Deductibles are lower if you choose UK HealthCare for services.
|Saver health plan||Maximums||UK HealthCare||Anthem||Out-of-network|
|Lifetime Maximum Benefit||Unlimited||Unlimited||Unlimited|
|Out-of-Pocket Amount||Annual deductible||$1,400 single; $2,800 family||$3,450 single; $6,900 family||$6,900 single; $13,800 family|
|Combined medical and prescription out-of-pocket maximum||$2,800 single; $5,800 family||$6,900 single; $13,800 family||No maximum|
Costs for common services
You pay 100% of the cost until you meet your deductible, then you pay a percentage of the cost.
|Saver health plan||Service||UK HealthCare||Anthem||Out-of-network|
|Preventative Care||$0||$0||40% after deductible|
|Physician services||Primary care visit||10% after deductible||30% after deductible||40% after deductible|
|Specialty care visit||10% after deductible||30% after deductible||40% after deductible|
|Lab tests, X-rays, diagnostic tests||10% after deductible||30% after deductible||40% after deductible|
|High-end diagnostics||10% after deductible||30% after deductible||40% after deductible|
|Allergy shots||10% after deductible||30% after deductible||40% after deductible|
|Hospital services||Inpatient hospital stay||10% after deductible||30% after deductible||40% after deductible|
|Outpatient surgery||10% after deductible||30% after deductible||40% after deductible|
|Emergent/Urgent Services||Urgent treatment center visit||10% after deductible||30% after deductible||40% after deductible|
|Emergency room visit||30% after deductible||30% after deductible||30% after deductible|
|Other Medical Services||Physical therapy||10% after deductible||30% after deductible||40% after deductible|
Welcome to UK! You can sign up for benefits depending on your FTE. Enroll in your benefits quickly in myUK.
If you experience a major life change outside of open enrollment you can also make changes to your insurance. This is known as a qualifying event. You'll need to fill out a form within 30 days.
Our Benefits Open Enrollment happens every year so that you can make changes. Make changes quickly in myUK.